LET THE LOSS MAKING BRANCHES MERGE; WITH GOOD NUMBER OF STAFFS TO MAKE PROFITABLE BRANCHES LARGE !!!

"NDA Government 
has got the 
full majority, but, STILL; 
this government is yet to bring any 
defaulter under criminal sections 
with a strict 'Loan Recovery BILL.' 
This NDA Government 
is talking about 
'One Nation, One ELECTION'; 
but, not talking about a single uniform 
Banking Software in all the 
banks of India NATION. 
UIDAI and NSDL servers are linked with 
all the Bank's CBS Software, then 
where is there any OBSTACLE ! 
Migrate all the bank accounts to a 16 digit 
Account Number in one uniform banking 
software, for example, say, 'FINACLE'. 
Almost more than 95% of Customer ID 
de-duplication in all Banks has been 
completed by NOW. 
100% of customer ID de-duplication to be 
done to migrate to a unique 
16 digits Customer ID ANYHOW. 
If any borrower is having a loan which 
goes to IRAC-3, then in any accounts 
associated with that customer ID, the 
customer can neither withdraw money 
nor do fund TRANSFER. 
Then, a customer has to submit ADV-98, 
PAN Card and AADHAAR Card to the 
Branch Manager with an application by 
mentioning the amount of money for the 
loan account, he can actually OFFER. 
If the amount deposited in 
the loan account is below 
the desired REQUIREMENT, 
then, all the other accounts 
of that customer ID 
will remain DORMANT. 
Within 5 Kilometres, there should not 
be 2 branches of the same bank to 
reduce unnecessary operating 
and premises EXPENSES. 
All branches must have 
at least 5 staffs (2 Officers, 
2 Clerks, 1 Substaff) 
at any cost, NEVERTHELESS. 
The feasible strategy 
should be to let the 
loss making branches MERGE; 
with various departments and good 
number of staffs in all profitable branches 
which will become LARGE."- Arindam Sain